That’s way to high! Part of what your running into is a lack of inventory causing less of a discount to MSRP.
Check out this deal that @UsedToSellPORSCHE was able to get in December. It was a USBAnk deal however the money factor is over 35% less than what your looking at.
Maybe reach out to him and see if he can point you in the right direction in UT.
